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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Credit Quality Indicator) (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended | 12 Months Ended
--- | --- | --- | ---
Sep. 30, 2025 | Sep. 30, 2024 | Sep. 30, 2025 | Sep. 30, 2024 | Dec. 31, 2024
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2025/2024 | $ 2,348,176 |  | $ 2,348,176 |  | $ 2,142,524
2024/2023 | 1,404,312 |  | 1,404,312 |  | 1,367,927
2023/2022 | 1,106,681 |  | 1,106,681 |  | 1,224,248
2022/2021 | 865,309 |  | 865,309 |  | 407,182
2021/2020 | 325,347 |  | 325,347 |  | 173,199
2020/2019 & Prior | 223,426 |  | 223,426 |  | 210,977
Revolving | 526,466 |  | 526,466 |  | 524,988
Total loans | 6,799,717 |  | 6,799,717 |  | 6,051,045
Charge-offs |  |  |  |  |
2021/2020 |  |  | 3,827 |  |
2020/2019 & Prior |  |  | 263 |  |
Total loans | 3,859 | $ 122 | 4,090 | $ 140 |
Current |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 6,699,282 |  | 6,699,282 |  | 6,009,135
Past Due |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 100,435 |  | 100,435 |  | 41,910
Real Estate |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 5,835,931 |  | 5,835,931 |  | 4,991,938
Commercial and industrial |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2025/2024 | 122,829 |  | 122,829 |  | 238,850
2024/2023 | 159,162 |  | 159,162 |  | 105,341
2023/2022 | 79,298 |  | 79,298 |  | 150,815
2022/2021 | 107,461 |  | 107,461 |  | 67,562
2021/2020 | 36,635 |  | 36,635 |  | 14,987
2020/2019 & Prior | 3,980 |  | 3,980 |  | 1,929
Revolving | 443,686 |  | 443,686 |  | 466,662
Total loans | 953,051 |  | 953,051 |  | 1,046,146
Commercial and industrial | Current |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 944,062 |  | 944,062 |  | 1,039,157
Commercial and industrial | Past Due |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 8,989 |  | 8,989 |  | 6,989
Consumer |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2020/2019 & Prior | 10,735 |  | 10,735 |  | 12,961
Total loans | 10,735 |  | 10,735 |  | 12,961
Charge-offs |  |  |  |  |
2020/2019 & Prior |  |  | 263 |  | 247
Total loans | 32 | $ 122 | 263 | $ 140 | 247
Consumer | Current |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2020/2019 & Prior | 10,582 |  | 10,582 |  | 12,743
Total loans | 10,582 |  | 10,582 |  | 12,743
Consumer | Past Due |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2020/2019 & Prior | 153 |  | 153 |  | 218
Total loans | 153 |  | 153 |  | 218
Commercial |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2025/2024 | 1,986,323 |  | 1,986,323 |  | 1,688,731
2024/2023 | 1,168,931 |  | 1,168,931 |  | 1,114,212
2023/2022 | 841,288 |  | 841,288 |  | 956,851
2022/2021 | 657,241 |  | 657,241 |  | 255,595
2021/2020 | 210,596 |  | 210,596 |  | 125,676
2020/2019 & Prior | 156,282 |  | 156,282 |  | 149,727
Revolving | 50,219 |  | 50,219 |  | 26,569
Total loans | 5,070,880 |  | 5,070,880 |  | 4,317,361
Commercial | Real Estate |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 5,070,880 |  | 5,070,880 |  | 4,317,361
Commercial | Real Estate | Current |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 5,036,088 |  | 5,036,088 |  | 4,285,159
Commercial | Real Estate | Past Due |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 34,792 |  | 34,792 |  | 32,202
Construction |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2025/2024 | 93,607 |  | 93,607 |  | 104,503
2024/2023 | 37,715 |  | 37,715 |  | 65,231
2023/2022 | 110,711 |  | 110,711 |  | 8,693
Revolving | 29,920 |  | 29,920 |  | 28,533
Total loans | 271,953 |  | 271,953 |  | 206,960
Construction | Real Estate |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 271,953 |  | 271,953 |  | 206,960
Construction | Real Estate | Current |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 271,953 |  | 271,953 |  | 206,960
Multi-family |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2025/2024 | 145,417 |  | 145,417 |  | 110,440
2024/2023 | 38,504 |  | 38,504 |  | 38,143
2023/2022 | 30,384 |  | 30,384 |  | 104,420
2022/2021 | 97,393 |  | 97,393 |  | 84,025
2021/2020 | 78,116 |  | 78,116 |  | 23,005
2020/2019 & Prior | 13,259 |  | 13,259 |  | 13,480
Revolving | 2,641 |  | 2,641 |  | 3,224
Total loans | 405,714 |  | 405,714 |  | 376,737
Multi-family | Real Estate |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 405,714 |  | 405,714 |  | 376,737
Charge-offs |  |  |  |  |
2021/2020 |  |  | 3,827 |  |
Total loans | 3,827 |  | 3,827 |  |
Multi-family | Real Estate | Current |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 351,664 |  | 351,664 |  | 376,737
Multi-family | Real Estate | Past Due |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 54,050 |  | 54,050 |  |
One-to-four-family |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024/2023 |  |  |  |  | 45,000
2023/2022 | 45,000 |  | 45,000 |  | 3,469
2022/2021 | 3,214 |  | 3,214 |  |
2021/2020 |  |  |  |  | 9,531
2020/2019 & Prior | 39,170 |  | 39,170 |  | 32,880
Total loans | 87,384 |  | 87,384 |  | 90,880
One-to-four-family | Current |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024/2023 |  |  |  |  | 45,000
2023/2022 | 45,000 |  | 45,000 |  | 3,469
2022/2021 | 3,214 |  | 3,214 |  |
2021/2020 |  |  |  |  | 9,531
2020/2019 & Prior | 36,719 |  | 36,719 |  | 30,379
Total loans | 84,933 |  | 84,933 |  | 88,379
One-to-four-family | Past Due |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2020/2019 & Prior | 2,451 |  | 2,451 |  | 2,501
Total loans | 2,451 |  | 2,451 |  | 2,501
One-to-four-family | Real Estate |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 87,384 |  | 87,384 |  | 90,880
One-to-four-family | Real Estate | Current |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 84,933 |  | 84,933 |  | 88,379
One-to-four-family | Real Estate | Past Due |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
Total loans | 2,451 |  | 2,451 |  | 2,501
Pass |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2025/2024 | 2,311,721 |  | 2,311,721 |  | 2,067,578
2024/2023 | 1,368,148 |  | 1,368,148 |  | 1,358,787
2023/2022 | 1,099,038 |  | 1,099,038 |  | 1,133,734
2022/2021 | 790,041 |  | 790,041 |  | 367,291
2021/2020 | 298,156 |  | 298,156 |  | 173,199
2020/2019 & Prior | 219,132 |  | 219,132 |  | 208,258
Revolving | 511,281 |  | 511,281 |  | 510,803
Total loans | 6,597,517 |  | 6,597,517 |  | 5,819,650
Pass | Commercial and industrial |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2025/2024 | 107,709 |  | 107,709 |  | 238,850
2024/2023 | 159,162 |  | 159,162 |  | 96,201
2023/2022 | 71,655 |  | 71,655 |  | 119,601
2022/2021 | 86,493 |  | 86,493 |  | 62,865
2021/2020 | 36,635 |  | 36,635 |  | 14,987
2020/2019 & Prior | 3,980 |  | 3,980 |  | 1,929
Revolving | 428,501 |  | 428,501 |  | 452,477
Total loans | 894,135 |  | 894,135 |  | 986,910
Pass | Commercial |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2025/2024 | 1,964,988 |  | 1,964,988 |  | 1,613,785
2024/2023 | 1,135,321 |  | 1,135,321 |  | 1,114,212
2023/2022 | 841,288 |  | 841,288 |  | 927,851
2022/2021 | 633,241 |  | 633,241 |  | 241,340
2021/2020 | 200,518 |  | 200,518 |  | 125,676
2020/2019 & Prior | 154,592 |  | 154,592 |  | 149,727
Revolving | 50,219 |  | 50,219 |  | 26,569
Total loans | 4,980,167 |  | 4,980,167 |  | 4,199,160
Pass | Construction |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2025/2024 | 93,607 |  | 93,607 |  | 104,503
2024/2023 | 37,715 |  | 37,715 |  | 65,231
2023/2022 | 110,711 |  | 110,711 |  | 8,693
Revolving | 29,920 |  | 29,920 |  | 28,533
Total loans | 271,953 |  | 271,953 |  | 206,960
Pass | Multi-family |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2025/2024 | 145,417 |  | 145,417 |  | 110,440
2024/2023 | 35,950 |  | 35,950 |  | 38,143
2023/2022 | 30,384 |  | 30,384 |  | 74,120
2022/2021 | 67,093 |  | 67,093 |  | 63,086
2021/2020 | 61,003 |  | 61,003 |  | 23,005
2020/2019 & Prior | 13,259 |  | 13,259 |  | 13,480
Revolving | 2,641 |  | 2,641 |  | 3,224
Total loans | 355,747 |  | 355,747 |  | 325,498
Special Mention |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2025/2024 | 19,535 |  | 19,535 |  | 73,859
2024/2023 | 33,610 |  | 33,610 |  | 1,497
2023/2022 |  |  |  |  | 15,246
2022/2021 |  |  |  |  | 14,255
2021/2020 | 1,248 |  | 1,248 |  |
Revolving |  |  |  |  | 1,000
Total loans | 54,393 |  | 54,393 |  | 105,857
Special Mention | Commercial and industrial |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024/2023 |  |  |  |  | 1,497
2023/2022 |  |  |  |  | 10,246
Revolving |  |  |  |  | 1,000
Total loans |  |  |  |  | 12,743
Special Mention | Commercial |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2025/2024 | 19,535 |  | 19,535 |  | 73,859
2024/2023 | 33,610 |  | 33,610 |  |
2023/2022 |  |  |  |  | 5,000
2022/2021 |  |  |  |  | 14,255
2021/2020 | 1,248 |  | 1,248 |  |
Total loans | 54,393 |  | 54,393 |  | 93,114
Substandard |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2025/2024 | 16,920 |  | 16,920 |  | 1,087
2024/2023 | 2,554 |  | 2,554 |  | 7,643
2023/2022 | 7,643 |  | 7,643 |  | 75,268
2022/2021 | 75,268 |  | 75,268 |  | 25,636
2021/2020 | 25,943 |  | 25,943 |  |
2020/2019 & Prior | 4,294 |  | 4,294 |  | 2,719
Revolving | 15,185 |  | 15,185 |  | 13,185
Total loans | 147,807 |  | 147,807 |  | 125,538
Substandard | Commercial and industrial |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2025/2024 | 15,120 |  | 15,120 |  |
2024/2023 |  |  |  |  | 7,643
2023/2022 | 7,643 |  | 7,643 |  | 20,968
2022/2021 | 20,968 |  | 20,968 |  | 4,697
Revolving | 15,185 |  | 15,185 |  | 13,185
Total loans | 58,916 |  | 58,916 |  | 46,493
Substandard | Commercial |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2025/2024 | 1,800 |  | 1,800 |  | 1,087
2023/2022 |  |  |  |  | 24,000
2022/2021 | 24,000 |  | 24,000 |  |
2021/2020 | 8,830 |  | 8,830 |  |
2020/2019 & Prior | 1,690 |  | 1,690 |  |
Total loans | 36,320 |  | 36,320 |  | 25,087
Substandard | Multi-family |  |  |  |  |
LOANS AND ALLOWANCE FOR CREDIT LOSSES |  |  |  |  |
2024/2023 | 2,554 |  | 2,554 |  |
2023/2022 |  |  |  |  | 30,300
2022/2021 | 30,300 |  | 30,300 |  | 20,939
2021/2020 | 17,113 |  | 17,113 |  |
Total loans | $ 49,967 |  | $ 49,967 |  | $ 51,239

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